The following answers are provided to the most commonly asked questions by customers of the failed bank. The total balance in your account(s) has been transferred to CenterState Bank of Florida, National Association, Winter Haven, FL and will be available for transactions during regular business hours at the former Ocala National Bank branches.

DEPOSIT QUESTIONS

1. What if I have more than $250,000 in my accounts at Ocala National Bank?

All deposit accounts have been transferred in their entirety to CenterState Bank of Florida, based in Winter Haven, FL. All former Ocala National Bank offices will reopen for normal business hours on Monday, February 2, as branches of CenterState Bank of Florida.

As an All-Deposit Transfer transaction, the total of all deposit accounts, whether within FDIC insurance limits or not, have been assumed by CenterState Bank of Florida and will be available for business as usual.

2. I have been advised there is a hold on my account. What does that mean?

It is possible a depositor's account was held due to delinquent loans where the depositor is the borrower or guarantor. Additionally, any account pledged as collateral for a loan will continue to be held. A letter will be sent informing you of any holds placed by the FDIC, along with instructions on how to proceed. If you have any questions regarding these holds, please call your loan officer or the FDIC at the number provided in the letter.

3. Can I continue to write checks or use my ATM/Debit card?

You will be able to continue using your personal checks at this time, and your ATM/Debit card will continue to work. The ATM machine will be unavailable for a short period of time on Friday for processing; however, it will be operational shortly after that is accomplished and will be available as usual.

4. Will my automatic payments through Billpay continue?

5. I am a deposit broker or I have brokered deposits. What do I need to do?

Brokered deposits will be held by the FDIC, and those insured deposits will be paid off when the insurance determination is complete. The FDIC offers an online reference guide to deposit brokers acting as agents for their investor clientele. This site outlines the FDIC's policies and procedures that must be followed by deposit brokers when filing for pass-through insurance coverage on custodial accounts in a failed FDIC-insured institution. Please read the following Deposit Broker Processing Guide completely before contacting the FDIC with questions:

Should you have any questions regarding the completion of required affidavits or declarations on behalf of your client, please call 1-800-930-5170 and indicate you have a form completion question.

If you are a customer who has an Ocala National Bank deposit through a broker, you must contact your broker with any questions. Once the FDIC receives a balanced investor file along with all the required documentation, from your broker, your insured funds will be wired to them on your behalf.

6. A merchant will not honor my check. What can I do?

You can provide a copy of this document or a copy of the press release (www.fdic.gov/news/news/press/2009/pr09014.html) since both documents state all deposits have been transferred to CenterState Bank of Florida, and it is business as usual. Copies of this press release will be available at the former Ocala National Bank branches. Depositors or merchants can also call the FDIC at 1-800-930-5170 or the former Ocala National Bank branches.

7. How do I claim my account(s)?

Your account(s) has already been transferred to CenterState Bank of Florida, and your account(s) will be handled as usual. Any withdrawal, renewal or additional deposits will "claim" your account. Please be advised that if there is no activity in your account in the next 18 months, that money will be turned over to your state as unclaimed property. Unclaimed property can be located by visiting www.missingmoney.com or contacting your state treasurer's office or office of unclaimed property.

8. How does this failure affect me?

All deposits (both insured and uninsured) of Ocala National Bank have been transferred to CenterState Bank of Florida, and it will be business as usual. If you held an account at Ocala National Bank, you now have an account at CenterState Bank of Florida that is available to you at your former Ocala National Bank branches during regular business hours.

If you had a loan with Ocala National Bank, please continue to make our payments to the same address as you have in the past until you are instructed otherwise. Continue to make your checks payable to Ocala National Bank.

The former Ocala National Bank locations will reopen for normal business hours on Monday, February 2. You will have continued access to your money through your ATM/debit card and by writing checks.

Can Ocala National Bank customers use CenterState Bank of Florida branches?

No, not at this time. During the transition of Ocala National Bank records to CenterState Bank of Florida systems, Ocala National Bank customers should continue to conduct their banking business at former Ocala National Bank branches. You will be notified when you can use CenterState Bank of Florida branches.

Similarly, existing CenterState Bank of Florida customers cannot use former Ocala National Bank branches and should continue to conduct their business at CenterState Bank of Florida branches.

9. I already have other deposit accounts with the new bank. When combined with balances at this bank, my deposits exceed $250,000. Are all funds insured?

The transferred accounts will be separately insured for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary.

CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

10. What will happen to my direct deposits?

Direct Deposits will continue as normal, including Social Security checks. If you need to change anything in the future, please contact or visit your former Ocala National Bank branch location to make those arrangements.

11. Will I incur an early withdrawal penalty if I close my CD before maturity?

No. You may withdraw funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with your new bank. Entering into a new deposit agreement can be done by either renewing your CD or making a deposit to, or a withdrawal from, your account.

15. Will my Internet connection to Ocala National Bank work?

16. What if I have an Individual Retirement Account (IRA)? Will my savings still be insured?

Yes, all deposits, including IRAs have been transferred in their entirety to CenterState Bank of Florida. IRA funds are insured separately from other types of accounts up to $250,000.

If you close your IRA before maturity, you have 60 days to roll this over into another retirement vehicle. You should consult IRS Publication 590 and/or your tax advisor concerning the possible tax consequences of such distribution. IRS Publication 590 may be obtained by contacting your local IRS office or via the Internet at www.irs.gov.

19. What if I need information regarding my account during the time Ocala National Bank was in business?

20. Who will send my 1098 and/or 1099 information after the end of the year?

CenterState Bank of Florida will be responsible for mailing your 1099 tax information. Your 1098 reporting will be done by the FDIC or the servicer of your loan. You will be notified of any changes in ownership or servicing of your loan.

21. Can funds be wired to me?

LOAN QUESTIONS

22. Will my automatic transaction payment still occur on its assigned date?

You should experience no disruption in this service. We encourage you to check your bank account the day after your scheduled draft to verify the transaction. If the transaction did not occur, please notify your loan officer and we will research your loan.

24. Will my subcontractors be paid as before?

25. Will you continue to pay my escrows?

All services previously performed related to your loan will continue. Should you receive notification that any portion of your taxes or insurance were not paid, please notify your loan officer immediately.

27. Who is my lender and has my loan contact changed?

28. Will my loan be sold?

Your loan may be sold at a future undetermined date. If that occurs, you will be notified in advance through written correspondence. If you are concerned about whom your future lender or servicer will be, you have the right to independently refinance your loan with another lender.

29. Can I continue to perform advances on my personal line of credit?

All Home Equity Lines of Credit (HELOCs) have been suspended at this time and have been retained by the FDIC. You may contact CenterState Bank of Florida at your former Ocala National branch to discuss establishing a borrowing relationship.

32. Will my overdraft line of credit continue to cover my overdrafts?

33. How and where do I make my payments?

You should continue to make your payments as agreed. Make checks payable to Ocala National Bank and utilize the same payment address information. You may continue to make your payments at the branch or by phone via check or credit card.

35. What will happen to my loan?

Each loan is currently being reviewed independently to determine the best action for that individual loan. If you are concerned about whom your future lender or servicer may be, you have the right to independently refinance your loan with another lender.

GENERAL QUESTIONS

36. Why do all deposits, insured and uninsured, pass is some transactions but not in others?

The FDIC is required by law to employ the least-cost resolution measure for each failed financial institution. The most frequent result is for the FDIC to transfer only the insured deposits in a merger transaction. The FDIC is only able to transfer all deposits if the uninsured amounts are covered by the premium. The FDIC has been able to transfer all deposits in about 25% of the failures over the past 15 years.

38. I represent a TV/Newspaper/Radio and would like some information.

39. Is the new bank insured by the FDIC?

Yes. Your deposit at CenterState Bank of Florida is insured by the FDIC, and each depositor is insured to at least $250,000, as established by law. CenterState Bank of Florida participates in the Temporary Liquidity Guarantee Program, which provides full coverage of non-interest bearing deposit transaction accounts, regardless of dollar amount.

40. How can I claim the contents of my safe deposit box?

41. I am a shareholder. What happens to my shares?

The Ocala National Bank had no publicly owned stock. Equity shareholders were invested in the holding company, ONB Financial Services, Inc., and not in the bank. Please contact the holding company with any questions you may have:

42. I did some work for Ocala National Bank and have not yet been paid. What should I do?

43. What happened, why did the bank fail?

Ocala National Bank, Ocala, FL was closed Friday, January 30, by the Office of the Comptroller of the Currency (OCC). Subsequently, the Federal Deposit Insurance Corporation (FDIC) was appointed Receiver. According to regulatory policy, there is no advance notice given to the public. Please see the Office of the Comptroller of the Currency (OCC) press release for more information.

The good news is that no one lost any deposits as a result of the closure of Ocala National Bank. To protect depositors, the FDIC Board of Directors approved the assumption of ALL of Ocala National Bank's deposits by CenterState Bank of Florida, National Association, headquartered in Winter Haven, FL.

SCAMS: Be watchful for and resistant to any scams to obtain information from you by individuals or entities stating that they are acting on behalf of either the failed bank, new bank, or the FDIC. Should you be contacted by anyone requesting personal information from you related to this event, please contact the call center above and you will be directed to the appropriate person.